Compare Pet Insurance from UK Providers

Switching during an active policy is possible, but may affect your cover. Any condition previously claimed for is likely to be treated as pre-existing by a new provider. Cancellation fees may apply, and no-claims discounts typically do not transfer. Comparing policies at renewal is generally a simpler and more effective approach.

Premiums are partially based on breed-related health risks. For example, some breeds are more prone to hereditary conditions such as hip dysplasia or respiratory issues, which can lead to higher premiums. Crossbreeds or mixed-breed pets may have lower premiums due to reduced risk of certain inherited conditions.

Yes. Insurers may consider regional differences such as average vet fees, frequency of claims, and risks like pet theft. Urban areas — especially those with higher veterinary costs (e.g. London) — often result in higher premiums compared to rural locations.

Standard treatment generally includes consultations, diagnostics, surgery, and medication. Complementary therapy — when included in a policy — may cover hydrotherapy, acupuncture, or physiotherapy if recommended by a vet. These treatments are usually subject to specific terms and limits.

It depends on the policy type. Lifetime policies may include cover for hereditary conditions, provided they occur after the policy starts and were not pre-existing. Other policies may exclude these conditions or set monetary caps. Always check the policy terms, exclusions, and definitions carefully.

Some providers offer discounts (commonly 5–15%) for covering multiple pets under the same insurer. Each pet typically has its own cover and claims record, but the discount applies to the policyholder's account. Terms and eligibility can vary by provider.